Investor Presentaiton
Capital Position
Evolution for CET1 ratio during 2Q20151
13,9%
+0,7%
14,9%
+0,9%
CET1 ratio
31.03.15
(transitional)
Profit before
provisions
-0,5%
-0,1%
Provisions
Loss from
discontinued
operations
RWAs Change
CET1 ratio
30.06.15
(transitional)
DTA
Capital Adequacy Ratios
14,4%
31.03.14
■31.03.15
-0,5%
CET1 ratio
30.06.15 (fully
loaded)
11,3%
10,6%
■ 30.06.14
30.06.15
I Adjusting for the disposal of the majority of the
'Russian operations
I
I
15,4%
115,2%
14,9%
14,0% 13,9%
11,5%
10,8%
■30.09.14
prof 30.06.15
■31.12.14
I
15,6%
I
|
1,5,3%
15,0%
I
I
14,2%14,1% 1
'Clean' Fully Loaded CET1 ratio² (March - 2015³)
24%
86%
19%
BOC
13,4%
14%
9%
4%
.median CET1 ratio
100%
80%
60%
40%
20%
0%
CET 1 ratio (transitional)
Total capital ratio (transitional)
CET1 ratio (transitional) at 14,9% at 30 June 20151
(compared to 13,9% at 31 March 2015), mainly due to the
reduction in RWAs and organic capital generation. The
reduction in RWAs was driven by the NPEs reduction and
balance sheet deleveraging and the reassessment of credit
risk exposures and collaterals to optimise credit risk
management and management of RWAs.
Taking into account the agreement for the sale of the
majority of the Russian operations, the pro-forma CET1
ratio (transitional) rises to 15,2%
CET1 ratio (fully loaded) at 14,4% at 30 June 2015
Significant RWAs intensity at 86% compared to the average
for European banks as at 31 March 2015-(median of 38
banks covered by Citigroup is 42%).
Clean Fully Loaded CET1 ratio (Mar-2015*)
RWAs intesity (RWAS % Total assets)
median RWAs intensity
Comprises 38 EU banks covered by Citigroup Research
1 Includes independently verified profits for 1H2015
2 As per Citigroup Research, Clean Fully Loaded CET1 ratio excludes Deferred Tax Credits, AFS and Danish Compromise Estimated Impact.
3 Includes data for 9 EU banks as at 31 December 2014 and 29 EU banks as at 31 March 2015
Bank of Cyprus
KOINO
WKYNPIW
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